HSBC Gold Credit Card
Choose a card with great travel benefits.
- Up to 56 days interest free credit on purchases - when you settle your monthly outstanding balance in full
- Competitive 1.9% monthly interest rate - on retail purchases
- 40% cash advance - of your available credit limit, if you need. This incurs a 2% monthly interest rate
- Enjoy low interest with HSBC Ready Credit Plan - on monthly Instalments
- Up to 2 supplementary cards - to share amongst your family
HSBC Traveller
With every purchase of US$500 or above at Wild Discovery using your Gold Card from HSBC, you will automatically be entitled to a one-way free private transfer to or from Beirut International Airport*.
Details
In addition to the above, you will enjoy the following offerings:
- Free delivery of all travel documents and visa formalities (where possible)
- Total accessibility and flexible opening hours of Wild Discovery branches
- Services in Wild Discovery offices in Dubai and Syria
- A large choice of products including worldwide hotel booking, cruises, travel insurance, villa and yacht rentals etc...
*Offer is non-cumulative and non-refundable. Valid for Greater Beirut only.
HSBC Credit Shield Plus**
As an HSBC Cardholder, you can now benefit from an optional comprehensive Credit Shield Plus against your outstanding balance, in the event of Permanent Total Disability, Involuntary Loss of Employment for employed eligible cardholders, Total Temporary Disability for self-employed eligible cardholders or Death.
The Credit Shield Plus was applied to all the cards currently enrolled under Credit Cover with effect from the first of June 2010.
For new cardholders, Credit Shield Plus benefit is systematically proposed simultaneously with his application. Cardholder should opt for the coverage while applying for the Card. Premium will be charged at 0.65% of your monthly outstanding balance and will appear on your monthly statement.
In the event of Permanent Total Disability or Death of the Primary Cardholder, 100% of the outstanding balance on the Card is settled up to a maximum of USD25, 000 for Gold Cards.
In the event of Involuntary Loss of Employment or Total Temporary Disability, one monthly minimum installment due on the previous month’s credit card statement is settled for each period of 30 days up to a maximum of 3 monthly payments for any one claim.
Access your account, from anywhere.
Pay your card bill quickly and easily - via Phone Banking and Internet Banking. See the table below for more details on other easy payment options
| Easy payment options | How to pay your HSBC Gold Credit Card bill: | How long it takes to be credited to your account |
|---|---|---|
| Free Autopay service | Set up a standing instruction to debit your HSBC Current or Savings account every month. Pay 5% to 100% of your monthly outstanding balance. | 1 working day |
| Internet Banking | Transfer money to your credit card account | 1 working day |
| Cash deposit machines | Pay your bill instantly by depositing cash at any of the HSBC Cash Deposit Machines in Lebanon. | 1 working day |
| ATMs | Transfer money from your HSBC Current or Savings account to your HSBC credit card, from any HSBC ATM in Lebanon. Or deposit cash or cheques at any HSBC ATMs in Lebanon. |
2 working days for cash payments 7 working days for cheque payments |
| Branches | Deposit cash or cheques at any HSBC branch in Lebanon. (You may be charged a fee if your cheque is dishonoured.) |
1 working day for cash payments 7 working days for cheque payments |
| Phone Banking | Call our Phone Banking Service on 01-36HSBC (4722) to transfer money to your HSBC Card account. | 1 working day |
| Description | VISA Platinum | VISA/ MasterCard Gold | VISA/ MasterCard Classic/Standard |
|---|---|---|---|
| Primary Card Annual Fee | USD 225 | USD 150 | USD 60 |
| Supplementary Cards (shared or separate limit) | 2 Free | 2 Free | 2 Free |
| Minimum Payment | 5% of Outstanding Balance or USD 50 (Whichever is higher) | 5% of Outstanding Balance or USD 25 (Whichever is higher) | |
| Finance Charge on Purchases per month* | 1.75% | 1.9% | 2% |
| Finance Charge on Cash Advances per month* | 2% | 2% | 2% |
| Cash Advance Fee | 3% (min USD 10) per withdrawal | 3% (min USD 10) per withdrawal | 3% (min USD 10) per withdrawal |
| Card Replacement Fee | USD 15 for Feeder, USD 10 for Advance and NIL for Premier Customers | USD 15 for Feeder, USD 10 for Advance and Free for Premier | USD 15 for Feeder, USD 10 for Advance and Free for Premier. |
| Late Payment Fee | USD 20 | USD 20 | USD 20 |
| Over-limit Fee | USD 20 | USD 20 | USD 20 |
| Copy of sales slip / Credit Card statement | USD 10 | USD 10 | USD 10 |
| Returned Cheque Fee | USD 5 if Feeder or Advance and Free for Premier | USD 5 if Feeder or Advance and Free for Premier | USD 5 if Feeder or Advance and Free for Premier |
| Charge for disputing a transaction subsequently found to be genuine | USD 25 | USD 25 | USD 25 |
| Access to HSBC Current/Savings Account through HSBC ATMs | Inside Lebanon Free, - Outside Lebanon Enquiries FREE, LBP 5000 per withdrawal | ||
| Access to HSBC Current/Savings account through Visa/Plus/MasterCard/Cirrus ATMs | LBP 10,000 per withdrawal | LBP 10,000 per withdrawal | LBP 10,000 per withdrawal |
| Access to HSBC Current/Savings account through Bankernet/ATMs | USD 0.87 per transaction | USD 0.87 per transaction | USD 0.87 per transaction |
| Foreign currency transactions (Card transactions not in your billing currency will be converted at a wholesale market rate attracting a processing fee) |
Up to 2.6% | Up to 2.6% | Up to 2.6% |
| Charges for issuing Paper Statement | USD 1 per statement | USD 1 per statement | USD 1 per statement |
| Deposits in USD notes | 0.25% min. $7 (if above$1,000) for Feeder, Under $10,000: Free and Over $10,000: 0.2% for Advance, Under $10,000: Free and Over $10,000: 0.15% for Premier | ||
Note:
1. Charges listed are primarily in USD. Depending on the currency of the account, some fees may be based in LBP.
2. Any fees listed in this booklet apply to normal transactions. The Bank reserves the right to levy additional charges for services at its sole discretion.
3. Other expenses, such as fiscal stamps, postage, cable, fax charges, etc. not included in this list will be charged where incurred.
4. Charges for any services not mentioned in this booklet will be available on request.
5. All terms and conditions mentioned in this booklet are subject to change without notice.
* Subject to increase by 1% in case the Cardholder is one or more payments overdue. Original Finance Charge rates will be re-instated when all overdue payments have been made.
